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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

First BanCorp. (FBP)

Financial Services Banks - Regional
27.40 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
4.1Mrd. $
Shares Outstanding
155Mio.
Float
96.8%
Beta
0.8

Performance

Perf. 1M
8.70%
Perf. 3M
26.20%
Perf. 6M
24.70%
YTD Performance (%)
28.70%
52-Week-High Distance
-1.0%

Valuation

P/E
11.7
Forward P/E
20.7
PEG
4.1
P/B
2.1
P/S
3.3
EV/EBITDA
0.0
Price/FCF
9.3

Profitability

Gross Margin
100.0%
EBIT Margin
47.8%
Net Margin
38.2%
Return on Equity
19.0%
Return on Assets
1.9%

Balance Sheet & Safety

Equity Ratio
10.3%
Debt/Equity
0.1
Altman Z
4.10
very solid
Piotroski
9 von 9

Growth

Sales Growth Last Quarter
8.10%
EPS Growth Last Quarter
21.30%
Sales Growth (Year)
5.35%
Forward Sales Growth
3.96%
Forward EPS Growth
6.80%

Dividend

Dividend Yield
2.89%
Dividend Per Share (TTM)
0.76$
Payout Ratio
33.8%
Years Without a Cut
7Years
Increase Streak
7Years

Quality & Screener

Stage
2
RS Rating
71
EPS Rating
66
very solid
Piotroski
9 von 9
Fundamental Rating
B (+17 von 100)
Altman Z
4.10

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Sales Per Quarter ($M)
2024: Q4 · 291.7 Mio. $ Q4 2025: Q1 · 308.8 Mio. $ Q1 2025: Q2 · 302.1 Mio. $ Q2 2025: Q3 · 304.5 Mio. $ Q3 2025: Q4 · 320.4 Mio. $ Q4 2026: Q1 · 318.5 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.46 $ Q4 2025: Q1 · 0.47 $ Q1 2025: Q2 · 0.50 $ Q2 2025: Q3 · 0.63 $ Q3 2025: Q4 · 0.55 $ Q4 2026: Q1 · 0.57 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 25.9 % Q4 2025: Q1 · 25.0 % Q1 2025: Q2 · 26.5 % Q2 2025: Q3 · 33.0 % Q3 2025: Q4 · 27.2 % Q4 2026: Q1 · 27.9 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 96.8 Mio. $ Q4 2025: Q1 · 108.2 Mio. $ Q1 2025: Q2 · 95.4 Mio. $ Q2 2025: Q3 · 137.6 Mio. $ Q3 2025: Q4 · 109.7 Mio. $ Q4 2026: Q1 · 114.8 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 95.2 Mio. $ Q4 2025: Q1 · 106.7 Mio. $ Q1 2025: Q2 · 92.8 Mio. $ Q2 2025: Q3 · 134.8 Mio. $ Q3 2025: Q4 · 105.6 Mio. $ Q4 2026: Q1 · 109.7 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 6.3 % Q4 2025: Q1 · 3.2 % Q1 2025: Q2 · 0.6 % Q2 2025: Q3 · 1.0 % Q3 2025: Q4 · 9.8 % Q4 2026: Q1 · 3.1 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · -1.4 % Q4 2025: Q1 · 6.3 % Q1 2025: Q2 · 8.4 % Q2 2025: Q3 · 41.5 % Q3 2025: Q4 · 20.3 % Q4 2026: Q1 · 22.2 % Q1
Price Change in Quarter (%)
2024: Q4 · -11.5 % Q4 2025: Q1 · 4.1 % Q1 2025: Q2 · 9.6 % Q2 2025: Q3 · 6.7 % Q3 2025: Q4 · -5.1 % Q4 2026: Q1 · 4.0 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.46 -1.40 292 6.30 25.90 97 95
2025: Q1 0.47 6.30 309 3.20 25.00 108 107
2025: Q2 0.50 8.40 302 0.60 26.50 95 93
2025: Q3 0.63 41.50 305 1.00 33.00 138 135
2025: Q4 0.55 20.30 320 9.80 27.20 110 106
2026: Q1 0.57 22.20 319 3.10 27.90 115 110
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

First BanCorp. ist die Bankholdinggesellschaft der FirstBank Puerto Rico, die Finanzprodukte und -dienstleistungen für Privat- und Firmenkunden anbietet.

Employees3,218
HeadquartersSan Juan, PR
Website1firstbank.com
IPO Date25. Feb 1992
Next Earnings22. Jul 2026

Management

Management
Name Title Birth Year
Aurelio Aleman-Bermudez President, CEO & Director 1959
Lilian Diaz-Bento Executive VP & Business Group Director 1967
Ramon Rodriguez C.F.A. Senior Vice President of Corporate Strategy / Investor Relations
Sara Alvarez-Cabrero Executive VP, General Counsel & Secretary of the Board 1975
Carmen Pagan Senior VP, Compliance Director & Senior VP of Division Director
Ginoris Lopez-Lay Executive VP & Strategic Management Director 1968
Thomas Michael McDonald Executive VP & Business Group Director 1962
Jose Maria Lacasa Executive VP & Florida Business Director 1979
Alexis Colon Senior VP & Division Director
Luzmarie Velez Senior VP & Division Director

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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